The Audit Advantage: How Bobby Giurintano Helps Businesses Recover Missed Money
January 15, 2026 •
In this episode, Michael is joined by Bobby Giurintano of Premium Recovery Experts to unpack a little-known strategy that helps business owners recover overpaid workers’ compensation premiums. Bobby explains how his firm audits past audits—examining insurance carriers’ work to uncover errors that could mean real money back for clients. Learn how his risk-free process has helped companies reclaim tens of thousands in refunds with minimal time investment. This episode is especially relevant for entrepreneurs in the trades, where workers’ comp costs can be substantial.
Tune into this episode to also learn:
● How workers’ comp classification codes and risk scores impact premiums.
● Why businesses with multiple state operations have higher refund potential.
● How Bobby’s process uncovers errors without disrupting broker relationships.
● Common red flags and real-world savings from past clients.
What we discussed
● [00:02:08] Bobby introduces Premium Recovery Experts and how they help businesses recover workers’ comp overpayments.
● [00:04:20] Bobby’s background and how a networking event launched his transition into the audit business.
● [00:05:41] Trades businesses that are ideal candidates—and those that aren’t—for recovery audits.
● [00:07:30] The step-by-step client process, including how minimal time is required.
● [00:10:58] Common reasons for overcharges: classification errors, misapplied risk scores, and claim mismanagement.
● [00:14:32] What experience modification ratings (EMR) are and why they matter in construction.
● [00:16:52] The forward-looking benefits of correcting audit errors—not just refunds, but future premium savings.
● [00:17:43] Ideal company size and premium range to work with Bobby’s team.
● [00:18:45] Limitations: states and business models that may not qualify.
● [00:20:04] Why union companies often pay higher premiums and how that plays into savings potential.
● [00:22:15] What happens if Bobby finds favorable conditions in your current setup—spoiler: they walk away.
● [00:24:02] How to get in touch with Bobby and what to expect from your first call.
3 Things To Remember
- Many businesses are unknowingly overpaying workers’ compensation premiums due to classification or risk score errors.
- Premium Recovery Experts provides a hands-off, no-upfront-cost process that identifies and corrects these errors.
- Correcting past audits not only recovers money but can also reduce future premiums and improve competitiveness.
Memorable moments:
(00:02:57) “We’re not selling any insurance… We’re simply just looking at premiums that were already paid and reviewing the past audits for potential errors.”
(00:07:30) “If you spend a grand total of 45 minutes with us, that’s probably about it.”
(00:22:39) “The absolute worst case scenario is absolutely nothing. You have peace of mind.”
Useful Links
Connect with Michael Pallozzi on LinkedIn: https://www.linkedin.com/in/michaelpallozzihfm/
Connect with Bobby Giurintano on LinkedIn: https://www.linkedin.com/in/bobbygiurintano/
Premium Recovery Experts: https://premiumrecoveryexperts.com/
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HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. All investments involve risk and are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as a recommendation appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment advisor to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
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Michael
Michael Pallozzi, AIF
Michael has more than 37 years of experience helping business owners and individuals take the next step of their financial journey. Michael’s job is to make the financial side of your life easier so you can build the personal and family life you’ve been working so hard to achieve.
Disclosure: HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. All investments involve risk and are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as a recommendation appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment advisor to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
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